*The comparison rates in this table are based on a loan of $30,000 and a term of 5 years unless otherwise
indicated in the product name with^, in which case, the comparison rate is based on a loan of $10,000 and a term
of 3 years.
The comparison rates are for unsecured personal loans only for the relevant amounts and terms. The comparison
rates for car loans and secured personal loans are for secured loans unless indicated otherwise. WARNING: This
comparison rate applies only to the example or examples given. Different amounts and terms will result in
different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee
waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates are
not calculated for revolving credit products.
Important information about this website
Who we are
InfoChoice is one of Australia’s leading financial services comparison website. We've been helping
Aussies find great offers on everything from credit cards and home loans to savings and personal
loans and more for over 25 years.
InfoChoice lists more than 2,000 financial products from 145 Australian banks, credit unions,
building societies and non-bank lenders.
We are not owned by a bank or an insurance company. InfoChoice, its directors, officers and/or
Representatives do not have any ownership of any financial or credit products or platform providers
that would influence us when we provide general advice. We may receive fees and commissions from
product providers for services we provide as detailed below.
Although we cover a range of products, providers and services we don't cover every product, provider
or service available in the market. Products compared may not compare all features and options that
may be relevant you. Not all products offered by each supplier may be compared. The information and
products contained on this website do not constitute recommendations or suggestions to purchase or
apply for any particular product. Any advice provided on this website is of a general nature and
does not take into account your objectives, financial situation or needs. Products included on this
site may not suit your personal objectives, financial situation or needs. InfoChoice is not a
product issuer or a credit provider and does not provide personal financial advice or credit
If InfoChoice refers you to a provider, you will be dealing with that provider directly and not with
us. InfoChoice accepts no liability in respect to any financial or credit product which you elect to
acquire from any provider.
By providing you with the ability to apply for an insurance quote or a credit facility we are not
guaranteeing that your application will be approved. Your application is subject to the Provider’s
terms, conditions and criteria.
Please consider whether it is appropriate for your circumstances, before making a decision to
purchase or apply for any product. If you are considering acquiring any financial product you should
obtain and read the relevant Product Disclosure Statement or other offer document prior to making an
We endeavour to provide you with up to date and accurate information, however, on some occasions
InfoChoice website may have some product changes that have not been reflected due to the large
volume of products we compare and our reliance on product providers. InfoChoice will not accept
liability for incorrect information. You should confirm any information with the product provider
and read the information they provide.
Service Guide and Credit Guide (FSCG).
Always free for you
Our service is free - no hidden fees or mark ups.
How we make money
To help you navigate the complex world of finance, insurance and utilities, we are committed to
offering you a free service to help find you the right product to suit your needs. We get paid in
four key ways.
1. Sponsored products are products offered by a provider with
which InfoChoice has a
marketing arrangement in place.
Sponsored products are displayed first within the search results pages and can be re-sorted without
this filter by de-selecting the “Show sponsored listings first”. They will have a link to a product
provider’s website should you wish to get more information or apply for the product. InfoChoice has
a commercial relationship with these product providers and may receive a commission, referral, fee
or payment from a provider when you click on a link to a product. This payment structure may include
a combination of:
Cost per Click (CPA) for click referred from the InfoChoice website to a product provider
Cost per Application (CPA) for completed applications that resulted from clicks referred from
the InfoChoice website to a product provider
Cost per Approved Application (CPAA) for completed approved applications that resulted from
clicks referred from the InfoChoice website to a product provider
Cost per Lead (CPL) for enquiries referred to a product provider or where enquiries result from
referred clicks from the InfoChoice website to a product provider
Cost per Issued Product (CPP) – for a successful sale that resulted from referred clicks or
enquires from the InfoChoice website to a product provider, broker or other third party; OR
Commission share on referrals to third party advice providers (mortgage/finance/insurance
broker, financial adviser, financial institution, utilities provider or any other third party).
Income could be an upfront commission and/or ongoing commission. The commission depends on the
amount of the finance, cost of the product or other factors and may vary from product to
2. Featured Products and Advertisements are a form
advertising. InfoChoice may receive a commission, referral, fee, payment or advertising fees from a
provider when you click on a link to a product. We may sort or promote the order of these products
based on our commercial arrangements.
Advertising fees from product providers for product advertisements through emails, sponsored content
or placement on the InfoChoice website are based on Cost per Impression, Cost per Click, Cost per
Application, Cost per Approved Application, Cost per Lead, Cost per Funded, Fixed
Sponsorship/Advertising fee or a combination.
3. Subscription Service aInfoChoice may also receive fees from
product providers for the following activities:
subscription fees for data provision; and
fixed cost development, licensing and hosting fees for the use of financial calculators, key
fact sheets and research.
4. Award Licenses. In some cases, for a licensing
finalists and / or winners may choose to display our award logos in their marketing materials and on
their website to promote the quality of the product to the public.
All fees are negotiated with institutions on a case by case basis and may vary between products and